1. ros.gov.uk Recording and safeguarding your rights CROBECO 25 November 2010 Kevin Ramsay Legal Services Registers of Scotland ARTL

2. ros.gov.uk Recording and safeguarding your rights Introduction: Who am I? Why am I here talking to you? Automated Registration of Title to Land (ARTL) ARTL

3. ros.gov.uk Recording and safeguarding your rights What is ARTL? Web based Secure Paper free Cheaper (33%) Registration within 24 hours One-stop-shop for payment of Stamp Duty Land Tax ARTL

4. ros.gov.uk Recording and safeguarding your rights What’s it look like? ARTL

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13. ros.gov.uk Recording and safeguarding your rights Who is using ARTL? 492 Solicitors out of about 800 26 Lenders 13 Local Authorities Over 35,000 applications Increasing pressure from Lenders ARTL

14. ros.gov.uk Recording and safeguarding your rights Crucial Role Of Strong Authentication: Around €1.6 billion of mortgages processed through ARTL Guaranteed by State Legal admissibility of digital deeds Strong audit trail ARTL

15. ros.gov.uk Recording and safeguarding your rights Three factors: Not Just Technology! ARTL

16. ros.gov.uk Recording and safeguarding your rights Three factors: Not Just Technology! ARTL

17. ros.gov.uk Recording and safeguarding your rights Three factors: Not Just Technology! ARTL

18. ros.gov.uk Recording and safeguarding your rights Legislative framework: EU Directive 93/1999 on a Community Framework for Electronic Signatures Electronic Communications Act 2000 The ARTL (Electronic Communications) (Scotland) Order 2006 Land Registration (Scotland) Act 1979 Requirements of Writing (Scotland) Act 1995 Land Registration (Scotland) Rules 2006 Bankruptcy and Diligence etc (Scotland) Act 2007 Keepers Direction No.1 2007 ARTL

19. ros.gov.uk Recording and safeguarding your rights EU Directive 93/1999 "advanced electronic signature" means an electronic signature which meets the following requirements: (a) it is uniquely linked to the signatory; (b) it is capable of identifying the signatory; (c) it is created using means that the signatory can maintain under his sole control; and (d) it is linked to the data to which it relates in such a manner that any subsequent change of the data is detectable; ARTL

20. ros.gov.uk Recording and safeguarding your rights Policy Framework: ARTL Licence - Firm ARTL terms and conditions agreed to at sign up – User ARTL PKI terms and conditions agreed when smartcard issued – Deed Signatory ARTL

21. ros.gov.uk Recording and safeguarding your rights PKI Policies: Policy documents cover about 80 topics About 60 of those are publicly availablepublicly available Split into Policies, Procedures and Worksheets Audited by tScheme – 3 year cycle ISO27001 ARTL

22. ros.gov.uk Recording and safeguarding your rights Policy: Procedure: Worksheets: ARTL

23. ros.gov.uk Recording and safeguarding your rights But what about the Technology? PKI was best fit Enables Advanced Electronic Signature Smartcard based ARTL

24. ros.gov.uk Recording and safeguarding your rights Lessons Learned: It takes more time and senior resource than you think. Technology is the easy bit. Never overestimate the abilities of your users – keep it very simple! ARTL

25. ros.gov.uk Recording and safeguarding your rights kevin.ramsay@ros.gov.uk +44 131 200 3935 Questions?